Videos
1095 & 3895 Health Insurance Tax Forms
As many Americans are still preparing their taxes before the April 18th deadline, please make sure that you have your 1095 (federal) & 3895 (state) tax forms and provide them to your tax preparer as they are required to complete your taxes. In California, there is...
Funding your HSA
Did you know you can still fund your 2021 health savings account until Tax Day on April 15th, 2022? A health savings account or HSA is a tax-advantaged bank account that is basically a medical IRA. You can invest your funds into stocks, bonds, and other investments...
Dental Plans for Orthodontia Coverage
If you are in a sudden rush to get a dental insurance plan to cover orthodontic treatment immediately, you may find the insurance options available to be rather limited. Some dental plans do not cover orthodontia whatsoever while other dental plans have 6-12 month...
Tax Penalty for Not Having Health Insurance
Since the federal government removed the tax penalty for not having health insurance in 2019, many Californians may think they are not subject to a tax penalty for not having health insurance. California responded to the removal of the federal penalty by establishing...
New Special Enrollment Period Qualifying Life Events
Once the Special Enrollment Period started on February 1st, 2022, anyone looking to enroll in or change their health insurance must now have a qualifying life event to do so. A qualifying life event is a major life event that must occur within the last 60 days in...
Thinking of buying Long-Term Care Insurance in California?
Despite the fact that the American population is aging rapidly, only about 1 in 30 Americans and about 7% of adults over the age of 50 are carrying Long-Term Care insurance. Studies show that someone turning 65 today has almost a 70% chance of needing some type of...
Reflections On The 2 Year Anniversary Of The Pandemic
On March 11, we mark the second anniversary of the World Health Organization’s declaration of COVID-19 as a global pandemic. Two years ago, we could never have imagined how much the pandemic would alter our daily lives. Over 950,000 American lives have been lost due...
Does It Make Sense To Switch Your Grandfathered Health Insurance Plan?
First of all, you might ask what is Grandfathered Health Insurance Plan? Health insurance plans sold on or before the introduction of the Affordable Care Act (ACA) on March 23rd, 2010, are considered grandfathered plans. These plans still exist today for both...
Tax Time for Small Businesses
With the excitement of the new year comes something not so exciting, tax deadlines! Although no one likes to file taxes, it is simply too important to ignore. Below, we have compiled a list of tax deadlines for both employers & individuals. If you are thinking of...
The Need for Business Disability Insurance
While disability insurance is covered by less than half of employers, it is a vital benefit for all employees but especially important for key employees & business owners of a business. Business owners, partners, managers, doctors, realtors, attorneys, truck...